Disability Programs: SSDI and SSI Basics

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Disability Programs
SSDI and SSI Basics
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Becoming Disabled
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Most people dont want to think about the
possibility, but disability could strike tomorrow
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If you become disabled, your family could suffer
financially
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Two federal benefit programs Social Security
Disability Income, or SSDI, and Supplemental
Security Income, or SSI may be able to help
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Defining Disability
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Because both SSDI and SSI are funded and
administered by the Social Security
Administration, or SSA, applicants must meet the
SSA definition of disabled to qualify for
benefits
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According to the SSA, you are disabled if
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The SSI Program
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SSI Benefits
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Calculating Income for SSI
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The amount of your SSI benefit will depend on
whether you have any other income
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You can receive both SSDI and SSI
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Certain income sources are excluded such as the
first 20 of most income, the first 65 of earned
income, and interest or dividends from exempted
sources
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Included income is then subtracted from your
maximum SSI benefit to determine how much you
will receive that month
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SSDI Program
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Eligibility is determined by work history
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You must have worked long enough, and recently
enough, to qualify for benefits
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There is no income limit for the SSDI program,
except if you earn too much money it will be
presumed that you are not disabled
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Who Can Receive SSDI On Your Work Record?
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If you qualify for SSDI based on your work
record, other members of your family may also
qualify
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Potentially eligible family members include
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Potentially eligible family members include
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Potentially eligible family members include
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SSDI Benefits
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Applying for Benefits
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Applying for benefits can be a complicated and
lengthy process
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Only 36 percent of all Oregon applicants for
either the SSDI or the SSI program were
initially approved in 2011
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Only 11 percent of reconsideration requests were
approved in 2011
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You can apply for SSDI benefits online through
the SSA website, via telephone by calling
1-800-772-1213, or in person at a local Social
Security office
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For the SSI program, the disability report can
be completed online and then you can schedule an
appointment to complete the remaining application
process at your local SSA office or it can all be
done at the local office
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Learn More About SSI and SSDI in Portland Oregon
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Learn More About SSI and SSDI in Portland Oregon